Sage Wealth Solutions is a financial planning firm focused on building wealth and eliminating debt. Recognizing that there is no one solution that fits all people all the time, we tailor solutions for each individual, family, or business to fit their particular circumstances at that time. We employ banking strategies to achieve maximum cash flow efficiency. We evaluate how clients are protected against financial risks, and recommend improvements. We help clients evaluate their retirement readiness, and work with them to build a more secure and prosperous retirement. Investment planning, income tax planning, and estate planning are also areas explored with clients.

All of these issues factor into our specialization, which is the college planning process. We add a thorough understanding of the financial aid process to better qualify students for more “free aid” in the form of grants and scholarships instead of work-study and loans. Working with affiliates, we help to better position students for the college admission process, including essays and test preparation for the SAT/ACT.

Ralph Williams, CFP®, CCPS, is the owner and founder of Sage Wealth Solutions. Following four years of college and five years in the US Army, serving in Vietnam, Ralph has spent nearly 40 years in financial services. A graduate of California State University, Northridge, he served as Professor of Finance at Pierce College in Woodland Hills, California. Ralph is a Certified College Planning Specialist (CCPS) and a Certified Financial Planner Professional® (CFP). Using advanced technologies with simplified banking strategies, Ralph helps individuals, families, and businesses control their financing needs, and transform debt into wealth. Ralph is also an independent agent with Worth Unlimited, which specializes in debt elimination and wealth building. Ralph has a passion for music, which he indulges as Director of Music at his church.